Programmable money.
Pix transfers between your customer's accounts, triggered by rule, event or Open Finance data. Exclusive to Iniciador.
The new generation of financial products.
Define the rule once — when something happens, Pix executes. Six financial products customers are already building on Smart Pix.
Automated Billing
the user is about to pay or sign up on your platform and doesn't have funds in their account with you
pull the amount from their accounts at other banks into the account on your platform — and complete the payment.
Automate money flows.
Agree the rules with the user. Smart Pix executes and notifies every movement.
The user connects the accounts
They authorize, via Open Finance, access to their accounts at different institutions — with long-lived consent.
You agree the rules
Trigger by balance, date, external event or data signal. Any business logic becomes a transfer rule.
Pix executes on its own
When the condition is met, the transfer is initiated automatically. Webhook on every execution, failure and reconciliation.
Truly smart financial management. Self-driven money.
Smart Pix is the only programmable-transfer rail in production in Brazil — inside the Open Finance perimeter.
Exclusive to Iniciador
Iniciador is the only Smart Pix infrastructure provider — and the first to launch the capability.
Trigger by rule or event
Triggers by balance, date, external event or Open Finance data signal. Money moves on its own.
Multi-bank native
Moves the customer's accounts at every institution — not locked into a single one.
Long-lived consent
A single Open Finance authorization enables continuous transfers between accounts of the same holder.
API-first, event-driven
Integrate via API and define rules programmatically. Webhook for every execution, failure and reconciliation.
Inside Open Finance
Transfers between accounts of the same holder, within the regulatory perimeter of Open Finance Brasil.
Speaking of intelligence, meet Pix for AI Agents.
Smart Pix complements our Agentic Payments MCP, the complete toolkit to build Brazil's next generation of banking.
AI agents that initiate payments on behalf of the user — via Pix.
Money is already programmable.
Build the new financial system with it.
Brazil's only Smart Pix infrastructure provider. Build financial products that move your customer's money automatically.